What a Malvern home costs each year
Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.
Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.
Starts at the typical market value, $104,500; your assessed value is often lower. Typical use.
- Property tax$584
1.133% of $104,500, minus the $600 arkansas homestead property tax credit
- Electricity$1,809
1055.9 kWh a month $1,745 · franchise fee (billing factor passed through by Entergy) $64
- Water and sewer$1,277
7,000 gallons a month on Malvern Water Works: water $51, sewer $55 a month
- TrashNot included
Trash is collected under the city's Republic Services contract; the current monthly price is not published, so it is not in the total
- Home insurance$1,740
Typical premium $1,740
A Malvern house at the typical market value ($104,500) costs about $5,400 a year: $580 property tax and charges, $1,280 water and sewer, $1,810 electricity, $1,740 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.
Rates checked Oct 29, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.
Ways to pay less
Nothing here applies to every house automatically. These are worth checking:
Apply for the homestead creditUp to $600 a year off the tax bill
Homeowners must apply for the homestead credit with the county assessor's office.
How: Apply with the county assessor's office.
Homeowners 65+ or disabled: freeze your assessed valueValue frozen
If you qualify for the homestead credit and are 65 or older or disabled, the taxable assessed value of your home can be frozen at its value at the next assessment date after you turn 65 or become disabled. Your tax can still change if millage rates change.
How: Apply for the freeze with the county assessor's office.
Who serves this house
- Water
- Malvern Water Works
- Malvern Water Works 2026 column: $18.54 minimum monthly charge and $0.484 per 100 gallons for inside-city residential water.
- Property tax
- 1.13% of value
- 2025 tax year, payable Oct. 15, 2026 (Hot Spring County)
- Garbage
- Republic Services (city contract)
- The city accepted a Republic Services bid for residential collection
- Sewer
- City of Malvern
- Sewer rates are set by city ordinance, with a charge per hundred gallons of metered sewer
- Electricity
- Entergy Arkansas
- Entergy's franchise table lists Malvern
- Schools
- Malvern School District
- 41.14 school mills
Other AR cities
Bella Vista home costsConway home costsFort Smith home costsBentonville home costsCenterton home costsSherwood home costsLowell home costsFayetteville home costsBenton home costsFarmington home costsSiloam Springs home costsJonesboro home costsParagould home costsLittle Rock home costsCamden home costsSpringdale home costsRogers home costsJacksonville home costsTexarkana home costsCabot home costsPine Bluff home costsSearcy home costsWest Memphis home costsBryant home costsMountain Home home costsPea Ridge home costsMaumelle home costs
How these numbers are made
- Property tax: Arkansas assesses a home at 20% of market value and applies the total millage. For the 2025 taxes due Oct. 15, 2026, a home inside Malvern in the Malvern School District carries 56.64 mills: school 41.14, city 6.5 and Hot Spring County 9. The Census median is a market value, not the assessor's figure; the $600 homestead credit is the amount for 2026 bills (Act 330 of 2025). Tax is the total millage applied to the assessed value.
- Water and sewer: the Malvern Water Works policy table, 2026 column (3% annual increases from the 2025 base). Water $18.54 plus $0.484 per 100 gallons ($4.84 per 1,000); sewer $20.60 plus $0.515 per 100 gallons. The policy's separate Highway 9 additional debt service charge ($15.20 residential) applies only to that service area and is not included. Typical use is not published, so the page starts at its default. Sewer is a residential minimum plus a charge per hundred gallons.
- Garbage: the city contracts Republic Services; only the 2022 first-year bid ($12.66 a unit) is public and the current price is not, so garbage is not in the total.
- Electricity: Entergy Arkansas Schedule RS present rates from the 2026 rate case notice. Fixed $12.7059 = $8.40 x (1 + 52.4369% - 1.1760%); energy $0.12571 per kWh = the four-month/eight-month average of $0.07392 and $0.06990 scaled the same way, plus riders CCR -$0.00096, ECR $0.01333, EECR $0.00327, FLCF $0.00007, GGR $0.00762 and MISO -$0.00538, plus Malvern's 3.6425% franchise billing factor. Typical use is Entergy Arkansas's 2024 residential average (EIA). Gas is not priced: no gas provider or tariff was confirmed for Malvern. Insurance is Arkansas's 2022 statewide average premium, the latest year on the Triple-I NAIC table. The stored electric figures are all-in: base rates are scaled by the notice's residential base-revenue percentage and the per-kWh riders are added.
- Nothing here is legal, tax or insurance advice.
How Malvern compares
A typical Malvern house against the 28 Arkansas cities we cover, using the same default numbers as the total above.
| Per year | Malvern | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.13% | 1.12% | higher than 15 of the other 27 Arkansas cities we cover |
| Water | $613 | $543 | higher than 16 of the other 27 Arkansas cities we cover |
| Sewer and utility-bill fees | $663 | $688 | lower than 14 of the other 25 Arkansas cities we cover |
| Electricity and gas | $1,809 | $2,214 | lower than 21 of the other 27 Arkansas cities we cover |
| Home insurance | $1,740 | $1,740 | in the middle of 27 other Arkansas cities we cover |
| Total | $5,409 | $7,290 | lower than 24 of the other 27 Arkansas cities we cover |
Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.
Questions to ask your candidates
Each one starts from a number above. Any candidate can answer them.
1. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $1,809 a year, lower than 21 of the other 27 Arkansas cities we cover. Rates are set mostly by the utility and the state.
Ask: "Electricity and gas here cost about $1,809 a year for a typical house, lower than 21 of the other 27 Arkansas cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Malvern house costs
What is the property tax rate in Malvern?
About 1.13% of the value before exemptions a year (2025 tax year, payable Oct. 15, 2026 (Hot Spring County)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Malvern?
About $5,064 a year on $500,000 of the value before exemptions.
How much is the water bill in Malvern?
About $106 a month for water and sewer at typical use (7,000 gallons a month) on Malvern Water Works.
How much does trash pickup cost in Malvern?
Trash is collected under the city's Republic Services contract; the current monthly price is not published, so it is not in the total
Can seniors lower their property tax or bills in Malvern?
Yes. Homeowners 65+ or disabled: freeze your assessed value: If you qualify for the homestead credit and are 65 or older or disabled, the taxable assessed value of your home can be frozen at its value at the next assessment date after you turn 65 or become disabled. Your tax can still change if millage rates change.
How much does a house in Malvern cost to run each year?
A Malvern house at the typical market value ($104,500) costs about $5,400 a year: $580 property tax and charges, $1,280 water and sewer, $1,810 electricity, $1,740 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.